Connecticut Administrative Code
Title 38a - Insurance Department
528a - Group Short-Term Care Insurance
Section 38a-528a-9 - Standards for marketing

(1) Establish marketing procedures to assure that any comparison of policies or certificates by its agents or other producers will be fair and accurate.

(2) Establish marketing procedures to assure excessive insurance is not sold or issued.

(3) Display prominently by type, stamp or other appropriate means on the first page of the outline of coverage and policy or certificate the following: "Notice to buyer: This policy or certificate may not cover all of the costs associated with short-term care incurred by the buyer during the period of coverage. The buyer is advised to review carefully all policy or certificate limitations."

(4) Inquire and otherwise make every reasonable effort to identify whether a prospective applicant or insured for group short-term care insurance already has accident and sickness, group or individual short-term care or long-term care insurance and the types and amounts of any such insurance.

(5) Establish auditable procedures for verifying compliance with this subsection.

(6) Provide, at solicitation, written notice to the prospective certificate holder of the availability of any insurance counseling program that may be provided or approved by any state agency for this purpose, together with the name, address and telephone number of such program.

(1) Twisting. Knowingly making any misleading representation or incomplete or fraudulent comparison of any insurance policies, certificates or insurers for the purpose of inducing, or tending to induce, any person to lapse, forfeit, surrender, terminate, retain, pledge, assign, borrow on or convert any insurance policy or certificate or to take out a policy or certificate of insurance with another insurer.

(2) High pressure tactics. Employing any method of marketing having the effect of or tending to induce the purchase of insurance through force, fright, threat, whether explicit or implied, or undue pressure to purchase or recommend the purchase of insurance.

(3) Cold lead advertising. Making use directly or indirectly of any method of marketing that fails to disclose in a conspicuous manner that a purpose of the method of marketing is solicitation of insurance and that contact will be made by a producer or insurer.